Credit Manager - Mortgage (HL/LAP)

HDFC Sales; Rajkot; On-site; INR 800,000 - 1,100,000; Full time

Job summary

HDFC Sales in Rajkot, India is seeking a Credit Manager with strong expertise in credit bureau interpretation, income assessment, and home loan documentation. The role involves evaluating eligibility, performing cash-flow analysis, and guiding customers to appropriate product solutions.

You will supervise non-sales staff, ensure timely sanction and disbursement, oversee project approvals, and maintain LMS updates.

Qualifications

• Interpret Credit Bureau reports and assess income.
• Assess eligibility for home loans and analyze bank statements.
• Excel-based cash-flow/NPV calculations for assets.
• Understand legal docs involved in home acquisitions.
• Handle NRI and Self-Employed loan assessments.
• Interact with customers to understand needs and offer solutions.

Responsibilities

• Supervise non-sales staff/coordinators and ensure timely processing.
• Coordinate sanction, disbursement, and legal updation with teams.
• Oversee project approvals and LMS lead updates, follow-up and auditing.

Skills

Effective communication

Analytical abilities

MBA or CA finance

4+ years credit

Solution oriented

Time management

Organized

Positive attitude

Education

MBA or CA (finance or banking background)

Job description

Job description: Credit Manager

Knowledge

• Interpretation of Credit Bureau Report, Assessment of Income, Analysis of Bank Statements, Assessing eligibility.
• Customer Interaction to understand needs, finds solutions within the product range available.
• Calculation of Net Present Values of maturing assets using excel sheets or programs.
• Knowledge of basic legal documentation involved in an acquisition of a home.
• Knowledge of technical fundamentals involved in an acquisition of a home.
• Cash flow method of assessment of NRI Loans, Ability to assess a Self Employed Loan.

Supervision of all the activities done by Non-sales Staff / coordinators:

• Sanctioning: - File processing by coordinator within the time, Customer Calling, Query resolving, File login at HDFC, Faster Sanction, keeping a check on TAT for Login & Sanction., Checking the Quality of Calls to Customers & Processing by coordinators.
• Disbursement: - Customer calling after Sanction of Case, Disbursement Follow-up with Customer & Sales force, and Technical Updation for Disbursement, Resolving Legal Queries, and Fixing of Disbursement, Keeping a Check on TAT of Legal Updation, Technical Updation, and Disbursement Fixing.
• Project Approval Creation of Property No, Query Resolving, Builder Appointment, Project Approval, Keeping a Check on TAT of Project Approval.
• LMS Timely Updation of Leads into LMS, Proper Follow-up on the next scheduled action date, Auditing of Leads, feedback & status.

Skills

• Effective communication skills
• Analytical & Managerial abilities
• Must be an MBA or CA (finance or banking background preferred)
• At least 4 years of experience in the credit assessment field from home loan industry
• Solution oriented, Ability to work under time pressure
• Good organization skills
• Positive attitude.